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Fannin County/Trenton/75490

75490

ZIPSAFMR
Fannin County, TX
Zillow

ZIP Investment Score

65Below average

095130300
BRFMR
Eff. Rent
0 BR$1,150$1,250
1 BR$1,260$1,250
2 BR$1,640$1,650
3 BR$2,260$1,890
4 BR$2,730$2,110
5 BR$3,139Not available
6 BR$3,610Not available
7 BR$4,152Not available
8 BR$4,775Not available

Purchase Price Calculator

Maximum purchase price
$183,273

Cost breakdown

+Likely effective rent$1,650
HUD FMR$1,640
Market rent$1,650
Est. payment standard (100%)Used$1,650
-Principal and interest-$927
Loan amount$146,618
Down payment$36,655
Rate6.50%
Term30 years
-Operating costs-$523
Property taxes-$183
Insurance-$175
Utilities$0
HOA$0
Management-$165
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,545(72.4% ROI)
Projected value
$197,365
Return breakdown
Property appreciation+$14,092
Loan principal paid down+$5,253
Rental cash flow+$7,200
5-year hold
+$45,451(124.0% ROI)
Projected value
$207,356
Return breakdown
Property appreciation+$24,084
Loan principal paid down+$9,367
Rental cash flow+$12,000
10-year hold
+$97,653(266.4% ROI)
Projected value
$234,605
Return breakdown
Property appreciation+$51,332
Loan principal paid down+$22,321
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.88
1 BR
1.01
2 BR
0.99
3 BR
1.20
4 BR
1.29
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 75490 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 75490 (Trenton, TX) is $1,640 a month. That is up 13.1% from $1,450 in FY 2026. Trenton is in the Fannin County, TX non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,093. Among 21 ZIP codes in Fannin County, 75490 has the highest two-bedroom rent (county range $1,010–$1,640). The median county two-bedroom FMR in Texas is $1,105, so ZIP 75490 is 48% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 75490
BedroomsFY 2027Change90–110% range
Studio$1,150+15.0%$1,035–$1,265
1BR$1,260+13.5%$1,134–$1,386
2BR$1,640+13.1%$1,476–$1,804
3BR$2,260+11.9%$2,034–$2,486
4BR$2,730+12.3%$2,457–$3,003

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 75490
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,150$1,260$1,640$2,260$2,730
FY 2026$1,000$1,110$1,450$2,020$2,430
FY 2025$980$980$1,290$1,810$2,170
FY 2024$900$1,050$1,230$1,680$2,090
FY 2023$750$950$1,120$1,500$1,790

Two-bedroom rent in nearby Fannin County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 75490
75447$1,010−38.4%
75449$1,150−29.9%
75452$1,240−24.4%
75475$1,280−22.0%
75476$1,090−33.5%
75479$1,220−25.6%
75486$1,240−24.4%
75488$1,010−38.4%
75490Current$1,640—
75491$1,100−32.9%
75492$1,040−36.6%
75496$1,140−30.5%

Questions about ZIP 75490 rents

How much will Section 8 pay for a two-bedroom in ZIP 75490?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,093, which applies unless the housing authority uses Small Area FMRs, that basic range is $984 to $1,202 a month; under the ZIP-level Small Area FMR of $1,640 it would be $1,476 to $1,804. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 75490 in?

ZIP 75490 is in the Fannin County, TX non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,093.

How much did fair market rent change in ZIP 75490 for FY 2027?

The two-bedroom FMR rose 13.1%, from $1,450 in FY 2026 to $1,640 in FY 2027. Since FY 2023 it has risen 46.4%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentTrenton, TX fair market rentTX statewide rentsWhat is SAFMR?Data sources